Medicare doesn’t cover everything. Here’s how to avoid surprises

If you decide to go with an Advantage Plan, there’s a good chance dental and vision will be included. However, it will likely be limited.

“You’ll get some coverage, but nothing major,” said Elizabeth Gavino, a Medicare agent and founder of Lewin & Gavino in New York. “You might get a dental cleaning or two a year.”

Whether you choose an Advantage plan or stick with basic Medicare, you can purchase a separate policy that gives you more extensive coverage.

Standalone vision plans can cost about $9 a month, Hammer Financial’s Luchene said, and dental plans could run somewhere in the neighborhood of $30 to $50 a month, depending on how much coverage you choose to get.

Some plans will add in hearing coverage, although there’s usually a low maximum — say, $500 — that the plan will pay. Hearing aids can run anywhere from $1,000 to $4,000 or so.